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Security Bank of Kansas City
 

Disclosures & Agreements

Disclosures & Agreements

Mobile Banking and Mobile Deposit Agreement
MOBILE BANKING/MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING ADDENDUM
 
  1. Introduction

    Security Bank of Kansas City endeavors to provide you with the highest quality Mobile Banking (the "Service") available.  By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and Disclosure (the "Agreement").

    We may offer additional Mobile Banking services and features in the future.  Any such added Mobile Banking services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable.  From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law.

  2. Definitions

    As used in this Agreement and Mobile Banking services, the following words have the meanings given below:

    "Account(s)" means your eligible Security Bank of Kansas City checking, savings, loan, certificate of deposit or safe deposit box information and other Security Bank of Kansas City products that can be accessed through Mobile Banking.

    "Device" means a supportable mobile device including a cellular phone or other mobile device that is web-enabled and allows secure SSL traffic which is also capable of receiving text messages.  Your wireless carrier may assess you fees for data or text messaging services.  Please consult your wireless plan or provider for details.

    "Mobile Banking" means the banking services accessible from the Device you have registered with us for Mobile Banking.

    "You" and "Your(s)," mean each person with authorized access to your Account(s) who applies and uses the Mobile Banking service.

    "We," "Us," and "Bank" means Security Bank of Kansas City.

  3. Mobile Banking Service
  1. Description of Service. Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us.  Mobile Banking allows you to access your Security Bank of Kansas City account information, make payments to payees, transfer funds and conduct other banking transactions.  To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then activate your Device within the Online Banking system.  Information about Security Bank of Kansas City’s Mobile Banking service is available on our website at www.securitybankkc.com.

    We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking.  We may also reserve the right to modify the scope of the Service at any time.

    Mobile Banking may not be accessible or may have limited utility over some network carriers.  In addition, the Service may not be supportable for all Devices.  Security Bank of Kansas City cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.

  2. Use of Service. In order to properly use Mobile Banking, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use Mobile Banking in accordance with the online instructions and agree that you will contact us directly if you have any problems with Mobile Banking.  We may modify the Service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified.  You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Service or your Device.

  3. Other Agreements. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions.  You agree that only your mobile service provider is responsible for its products and services.  Accordingly, you agree to resolve any problems with your provider directly without involving us.

    Any deposit account, loan or other banking product accessed through this Service is also subject to the Account Agreements and Disclosures provided at the time of Account opening.  You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking.

 

iv. Permitted Mobile Banking Transfers

You may use the Service to transfer funds between your eligible Security Bank of Kansas City accounts ("Internal Transfer").  You may not transfer to or from an Account at another financial institution using Mobile Banking.

 

If you submit your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking.  Transfer transaction requests received after 9:00 p.m. CST on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. 

 

You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection.  We may process transfers that exceed your available balance at our sole discretion.  If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees.

 

Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account.  Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, as described in the Deposit Account Agreement and Disclosures.  You may be subject to fees or account conversion if you exceed the transactions limits of your Account using Mobile Banking or any other methods outlined in your Deposit Account Agreement and Disclosures.

 

We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option.

 

You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

v. Your Responsibilities

You represent and agree to the following by enrolling for Mobile Banking or by using the Service:

 

  1. Account Ownership/Accurate Information. You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking.  You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.  You represent that you are an authorized user of the Device you will use to access Mobile Banking.

  2. User Security. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you.  You agree not to provide your username, password or other access information to any unauthorized person.  If you permit other persons to use your Device, login information, or other means to access Mobile Banking, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you.  You agree not to use any personally identifiable information when creating shortcuts to your Account.

    We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States.  Accessing Mobile Banking from locations outside of the United States is at your own risk.

  3. User Conduct. You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

  4. No Commercial Use or Re-Sale. You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking.

  5. Indemnification. Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Security Bank of Kansas City its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking.

vi. Mobile Deposit Agreement and Disclosure

This Addendum (“Addendum”) to the Security Bank of Kansas City Online Banking Agreement between you and Security Bank of Kansas City sets forth the terms and conditions of the Mobile Deposit Service (the “Service”), which allows you to deposit certain checks into certain deposit accounts that are eligible to receive mobile deposits using a software application installed on your supported mobile device.  The application is considered part of the Service

Except as modified by this Addendum, all terms and conditions in the Security Bank of Kansas City Online Banking Agreement remain in full force and effect.  If there is a conflict with the Security Bank of Kansas City Online Banking Agreement and this Addendum, this Addendum shall control.

 

By enrolling in the Service, you agree to be legally bound by this Addendum and the Security Bank of Kansas City Online Banking Agreement.

 

  1. Description. The Service is designed to allow you to submit check deposits to your checking, money market checking or savings accounts from your compatible camera-enabled mobile device (i.e. smartphone, tablet etc.) capable of capturing check images and information and electronically delivering the items and associated deposit information to the Bank or the Bank's designated processor.  The device must capture an image of the front and back of each check to be deposited in accordance with the Procedures; must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment.

  2. Hardware and Software Requirements. To use the Service, you must have a supported camera-enabled mobile device (e.g., smartphone, tablet etc.) and operating system, have a data plan for your mobile device, and download the software application to your mobile device (collectively, the “Mobile Device”).  We do not guarantee that your particular mobile device, mobile device camera, mobile device operating system or mobile carrier will be compatible with the Service.  We and/or our service provider(s) may change these specifications and/or requirements from time to time.  The Bank is not responsible for any third party software you may need to use the Service.  You agree that you will perform or arrange for all vendor recommended maintenance, repairs, upgrades and replacements.  Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating, testing and maintaining all hardware and software necessary to use the Service.  You must install and test your Mobile Device, your system, and any other required hardware and software before you make your first deposit through the Service. You accept any such software “as is” and subject to the terms and conditions of the software agreement that you enter into directly with the third party software provider at the time of download and installation.  When using the Service, you may experience technical or other difficulties.  We do not assume responsibility for any such difficulties or any resulting damages that you may incur. We reserve the right to limit the number of Mobile Devices through which you may access the Service.  We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any technical issues or other related problems that may be associated with your use of the Service, mobile application, data connectivity, e-mail or the Internet.  You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data or related systems.

  3. Security of Your Mobile Device and Account Information. You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”).  You are responsible for (i) maintaining the confidentiality and security of your Mobile Devices, access number(s), password(s), security question(s) and answer(s), account number (s), login information, and any other security or access information, used by you to access the Service (collectively, "Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store, transmit or use in or with the Service (collectively, "Account Information").  You agree not to supply your Access Information to anyone. You will be responsible for all electronic communications, including image transmissions, text message, email and other data ("Communications") entered using the Access Information.  Any Communications received through the use of the Access Information will be deemed to be sent or authorized by you.  You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Access Information, including your Mobile Devices.  You also agree to notify us immediately by telephone at 913-281-3165 and with written notice at Security Bank of Kansas City, Attention Fraud Prevention, P.O. Box 171297, Kansas City, Kansas 66117 or by e-mailing us at internetbanksbkc@secuirtybankkc.com if you learn of any loss or theft of an original check or item.  We reserve the right to deny you access to the Service (or any part thereof) if we believe that any loss, theft or unauthorized use of Access Information has occurred.

  4. Check Image Quality. The image of an item transmitted to the Bank using the Service must be legible and contain images of the front and back of the Check.  The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association.  These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Check image: the amount of the Check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and all other information placed on the Check prior to the time of an image of the Check is captured (such as any required identification written on the front of the Check and any endorsements applied to the back of the Check).

  5. Fees and Charges. There is no fee to use the Service. The Bank reserves the right to change the pricing for this Service in the future.  Mobile data charges may apply, contact your wireless carrier for details.

  6. Deposit Limits. The Bank reserves the right to establish and assign to you deposit limits for the Service (including limits on the dollar amount and/or number of Checks that you may transmit through the Service each day) and to modify such limits from time to time in the Bank’s sole discretion, and you agree to comply with all such limits.  See the Mobile Deposit Frequently Asked Questions (FAQs) for more information about limits on the number and amount of checks or items being deposited through the Service.

  7. Availability of Funds. We will make funds available for checks and items received, accepted, and successfully processed through the Service according to our standard Funds Availability Policy. Mobile deposits received and accepted prior to 5:00 P.M. CST Monday through Friday (excluding holidays) will generally be available the next business day.  

  8. Eligible Checks and Items. You agree to scan and transmit only checks as that term is defined in Federal Reserve Regulation CC (“Reg. CC”). You agree that the image of the check transmitted to us shall be deemed an “item” within the meaning of Article 4 of the applicable Uniform Commercial Code.

    You agree that you will not use the Service to scan and deposit any checks or other items as shown below:

    1. Checks or items payable to any person or entity other than you, or to you and another party.
    2. Checks or items containing alteration to any of the fields on the front of the check or item (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
    3. Checks or items previously converted to a substitute check, as defined in Reg. CC.
    4. Checks or items drawn on a financial institution located outside the United States.
    5. Checks or items not payable in United States currency.
    6. Money orders, savings bonds, traveler’s checks or insurance drafts.
    7. Checks or items that are post-dated or stale-dated.

      Nothing in this Addendum should be construed as requiring Security Bank of Kansas City to accept any check or item for deposit, even if the Bank has accepted that type of check or item previously.  Nor shall Security Bank of Kansas City be required to identify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Addendum.

  9. Endorsements and Procedures. You agree to restrictively endorse any item transmitted through the Service as:

    [Payee(s) signature]
    For Mobile Deposit Only
    [Account number receiving deposit]

    or as otherwise instructed by the Bank.  You agree to follow any and all other procedures and instructions for use of the Service as the Bank may establish from time to time.  Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space.  Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.  For a check payable to you and any joint owner(s) of your Bank account, the check must be endorsed by all such payees and you may only use Mobile Deposit to deposit such check into a Bank account jointly owned by all such payees.  If the check is payable to you or your joint owner, either of you can endorse it.  If the check is made payable to you and any non-joint owner, you may not deposit the check into your Bank account using the Service.

  10. Promises You Make to Us; Indemnity. You warrant to Security Bank of Kansas City that:

    1. You will only transmit eligible checks and items that you are entitled to enforce, and all checks and items will include all signatures required for their negotiation.
    2. You will not transmit an image or images of the same check or item to us more than once and will not deposit or negotiate, or seek to deposit or negotiate, such check or item with any other party.
    3. You will not deposit or re-present the original check or item with Security Bank of Kansas City, or any other party.
    4. All information you provide to Security Bank of Kansas City is accurate and true, including that all images transmitted to Security Bank of Kansas City accurately reflect the front and back of the check or item at the time it was imaged.
    5. You will comply with this Addendum and all applicable rules, laws and regulations.
    6. You will use the Service only for your own deposits and will not allow the use of the Service by way of a service bureau business, timesharing, or otherwise disclose or allow use of the Service by or for the benefit of any third party.
    7. By your utilization of this App you acknowledge that the Third Party Service Provider of the App may have access to the nonpublic personal information transmitted by you through the App.

      If you or anyone else present a check or item for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check.  You agree that we may debit from your Bank account the aggregate amount of any Checks that are deposited more than once.  To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion.

  11. Disposal of Transmitted Checks. After a check or item has posted to your account, you agree to prominently mark the check or item as “Electronically Presented.”  You agree never to re-present to us or any other party a check or item that has been deposited through the Service unless we notify you that the check or item will not be accepted for deposit through the Service.  You will promptly provide any check or item to Security Bank of Kansas City as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check or item, or for audit purposes.  You agree to destroy or otherwise properly dispose of checks or items within 15 business days after you have verified your deposit has been credited and cleared through the Service to ensure that such checks and items are not re-presented for payment and to safeguard such checks and items.

  12. Rejection of Deposits. Once you have submitted a deposit, you cannot cancel or amend it and the Bank is not liable for any delays or errors in the transmission of the file.  If the Service is not available for any reason, you must make your deposit using another method, such as an in-person deposit, ATM, night depository at one of the Bank’s branches or a deposit by mail.  Once accepted by the Bank, we shall provisionally credit your designated account for the total amount of such Checks.  The provisional credit is subject to final payment of the Checks and is also subject to your Bank Account Agreement.  You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to the Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against the Bank relating to such deposits.  The Bank is not liable for any service or late charges that may be imposed against you due to the Bank’s rejection of any Check that you transmit for deposit through the Service.  In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a Check being returned to us unpaid by the payor financial institution.  You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any Check transmitted through the Service in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection.  If we reject a Check for remote deposit, you must physically deposit the original Check.

  13. Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account.  You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by the Bank.  The Bank will provide you with notice of any deposits that it is unable to process because Checks were returned unpaid by the payor financial institution.  You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you.  In the event that the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such Check plus any associated fees from the account.  To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion.  Our right to charge your account(s) will apply without regard to whether the Check was timely returned or whether there is any other claim or defense that the Check was improperly returned.  You understand and agree, that since the original Check is your property, it will not be returned and the Bank may charge back an image of the Check, an ACH debit, or other electronic or paper debit, as applicable, to your account.  You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Check or a substitute check.  You may not use the Service to deposit a substitute check and you may not deposit the original Check through the Service or in any other manner if you receive a dishonored Check.  You agree to comply with any additional instructions we may provide to you in connection with returned Checks.

  14. Duty to Report Errors. The Bank will provide you with periodic statements that will identify the deposits that you make through the Service.  In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts.  You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate.  Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check.  You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement.  You may notify us by e-mailing us at internetbanksbkc@securitybankkc.com or writing to Security Bank of Kansas City, P.O. Box 171297, Kansas City, Kansas 66117 or telephoning us at 913-281-3165.  You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy.

  15. Cancellation By You and Termination or Refusal By Us. You may cancel the Service at any time by calling 913-281-3165 or by emailing us at internetbanksbkc@securitybankkc.com and allowing us a reasonable opportunity to act upon your request.  If you cancel, we will not refund any portion of any fee assessed for any checks and items previously deposited via the Service.  We will have no obligation to honor any instruction, in whole or in part, that (i) we reasonably believe is used for any illegal or improper purpose or activity; (ii) we have reason to believe may not be authorized by you; (iii) would violate any law, rule or regulation applicable to us or the Service; (iv) is not in accordance with any other requirement stated in this Addendum or any of our policies, procedures or practices; or (v) for our protection or yours, we have reasonable cause not to honor.  We reserve the right to refuse to honor an instruction or suspend or terminate the Service, in whole or in part, at any time, with or without notice to you, with or without cause, including, without limitation, if: (a) we have reason to believe that your account has been compromised or mismanaged in any way, such as by unauthorized or erroneous use of your Access Information; or (b) we believe the Service is not being used for its intended, bona fide and lawful purposes under this Addendum and the Security Bank of Kansas City Online Banking Agreement; (c) your account is closed, access to your account is restricted for any reason, or if you do not use the Service for a period of time or (d) following initial enrollment you do not use the Service.  Termination will not affect your liability or obligations under this Addendum, the Security Bank of Kansas City Online Banking Agreement or any other agreements you have with us for actions we have taken on your behalf.

  16. Availability of Service/Contingency. In the event you are unable to capture, balance, process, produce or transmit a file to the Bank, or otherwise comply with the terms or the Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank location.  The deposit of original checks at an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

  17. Changes to the Service. We reserve the right to change the qualifications of the Service at any time without prior notice.  You may reject changes by discontinuing use of the Service.  Your continued use of the Service will constitute your acceptance of and agreement to such changes.  We also reserve the right to change, suspend or discontinue the Service, in whole or in part, or your use of the Service, in whole or in part, immediately and at any time without prior notice to you.  Maintenance to the Service may be performed from time-to-time resulting in interrupted service, delays or errors in the Service and we shall have no liability for any such interruptions, delays or errors.  Attempts to provide prior notice of scheduled maintenance may be made, but we cannot guarantee that such notice will be provided.

  18. Limitations of Liability. WE ARE ONLY RESPONSIBLE FOR PERFORMING THE SERVICE AS EXPRESSLY STATED IN THIS ADDENDUM.  THERE IS NO GUARANTEE THAT ACCESS TO THE SERVICE WILL BE AVAILABLE AT ALL TIMES AND WE SHALL NOT BE LIABLE IF YOU ARE UNABLE TO ACCESS THE SERVICE. THE SERVICE IS PROVIDED “AS IS” AND, EXCEPT AS PROHIBITED BY LAW, WE AND OUR THIRD PARTY SERVICE PROVIDERS DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING THE SERVICE, APP, EQUIPMENT OR SOFTWARE, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT OF ANY PARTIES’ PROPRIETARY RIGHTS. IN NO CASE SHALL SECURITY BANK OF KANSAS CITY OR ANY OF OUR THIRD PARTY SERVICE PROVIDERS BE LIABLE FOR ANY LOSS OF DATA, PROFIT, GOODWILL, OR SPECIAL, PUNITIVE, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY KIND OR NATURE SUFFERED BY YOU ARISING OUT OF OR RELATED TO THIS ADDENDUM, THE APP, THE SOFTWARE, THE EQUIPMENT OR THE SERVICE WHETHER OR NOT SUCH CLAIM FOR DAMAGES IS BASED ON TORT OR CONTRACT OR WHETHER WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SHOULD HAVE KNOWN OF THE LIKELIHOOD OF SUCH DAMAGES, EXCEPT AS MAY BE REQUIRED BY LAW.  IN STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INDIRECT SPECIAL OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SECURITY BANK OF KANSAS CITY’S AND OUR THIRD PARTY SERVICE PROVIDERS’ LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY APPLICABLE LAW.

  19. Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

  20. Geographic Constraints. You agree that you will not use the Service in locations that are prohibited under U.S. law and regulations, including laws and regulations issued by the Office of Foreign Assets Control. 

Rev 08/18
Online Banking Agreement and Disclosure
Online Banking Disclosure
 
Agreement – This Agreement, is a contract establishing the rules which cover your electronic access to your accounts at Security Bank of Kansas City (“BANK”) through Security Bank of Kansas City Online (“SYSTEM”). By using Security Bank of Kansas City Online, you accept all terms and conditions of this Agreement. Please read it carefully. The terms and conditions of the deposit agreements and disclosures for each of your BANK accounts as well as your other agreements with BANK such as loans, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of Kansas (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretations of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and BANK’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with your Enrollment in SYSTEM and the Fee Schedule, constitutes the entire Agreement between you and BANK with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.
 
Definitions – As used in this Agreement, the words “we”, “our”, “us” and “BANK” mean Security Bank of Kansas City. “You” and “your” refer to the account holder authorized by Security Bank of Kansas City to use Security Bank of Kansas City Online under this Agreement and anyone else authorized by that account holder to exercise control over the account holder’s funds through Security Bank of Kansas City Online. “Account” or “accounts” mean your accounts at Security Bank of Kansas City. “Electronic funds transfers” means ATM withdrawals, pre-authorized transactions, point of sale transactions, and transfers to and from your BANK accounts using Security Bank of Kansas City Online including bill payments. “SYSTEM Services” means the services provided pursuant to this Agreement, including the Bill Payment and Text Banking services. “Business Days” are Monday through Friday. Legal holidays are not included.
 
Internet Security Information – Our Internet Banking service utilizes a comprehensive security strategy to protect accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed or printed from our website where the system’s consumer or commercial features are explained. In addition to our login security, we use SSL (secure socket layer) encryption technology for everything done in the system. Your browser automatically activates this technology when it attempts to connect to our system and it will support 128-bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small padlock icon at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a “Certificate Authority” to assure you that you are actually talking to our servers instead of someone pretending to be us.
During your use of the Internet Banking system, we will pass a “cookie” to your browser to identify you. We do not (and cannot) use our cookies to obtain new information about you. A “cookie” is security data given to a browser by a web server and returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your Login ID and password for each individual transaction. After a predetermined amount of time set by our security system or when you log off, the session cookie is no longer accepted and must be re-entered using your password. A new cookie is used for each session, so that no one can use the cookie to access your account.
 
Registration Process – The service requires the customer to complete the initial registration process. This involves either completing a secure online registration or visiting one of our branch locations. The information obtained during the enrollment process will identify everything we need to enable the service. Once we verify the information you submitted for accuracy and authorizations, you will be notified by e-mail (or in-person, if registration occurred at a branch) when your account will be activated.
 
Access – To use SYSTEM, you must have at least one active account at BANK, access to Internet service and an e-mail address. Once we have received your registration and verified your account information, we will send you confirmation of our acceptance of your enrollment, along with your assigned Login ID.  SYSTEM can be used to access only the BANK accounts you are an owner of, or under limited circumstances, an authorized signatory.   We undertake no obligation to monitor transactions through SYSTEM to determine that they are made on behalf of the account holder.
 
SYSTEM Services – You can use SYSTEM to check the balance of your BANK accounts, view BANK account history, transfer funds between your BANK accounts, make stop payment requests, view checks, pay bills from your BANK accounts in the amounts and on the dates you request if you have enrolled in the Bill Payment Service, and receive balance and history information by SMS text message if you have enrolled in the Text Banking Service.
 
Hours of Access – You can use SYSTEM seven days a week, twenty-four hours a day, although occasionally some or all SYSTEM services may not be available due to emergency or scheduled system maintenance. Whenever possible we agree to post notice of any extended periods of non-availability on the SYSTEM website.
 
Your Password – For security purposes, you are required to change your password upon your initial login to SYSTEM. You determine what password you will use; the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to SYSTEM will be revoked. To re-establish your authorization to use SYSTEM, you must contact us to have your password reset or to obtain a new temporary password. We recommend that you create a password that utilizes both upper- and lower-case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth or names of children, and should be memorized rather than written down.
 
Security – You understand the importance of your role in preventing misuse of your accounts through SYSTEM, and you agree to promptly examine the paper, or electronic statement for each of your BANK accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information such as your driver’s license number and social security number. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and Login ID are intended to provide security against unauthorized entry and access to your accounts. If you permit any other person to use the SYSTEM or your PIN, you will have authorized that person to access your Accounts and you are responsible for any transaction that person initiates or authorized for your Accounts. Data transferred via SYSTEM is encrypted in an effort to provide transmission security; SYSTEM utilizes identification technology to verify that the sender and receiver of SYSTEM transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensure that the SYSTEM is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. We cannot and do not warrant that all data transfers utilizing BANK SYSTEM, or e-mail transmitted to and from us, will not be monitored or read by others.
 
Fees and Charges – You agree to pay the fees and charges as set forth in the current fee schedule for your use of SYSTEM Services. You agree that all such fees and charges will be deducted from the BANK checking account designated as the “Primary Checking Account” during your registration. If you close your Primary Checking Account, you must contact us immediately to designate another account as your Primary Checking Account. You agree to pay any additional reasonable charges for services you request not covered by this Agreement. You are also responsible for telephone and Internet service fees incurred in connection with your use of SYSTEM.
 
Posting of Transfers – Transfers initiated through SYSTEM before 9:00 p.m. Central Standard Time on a business day are posted to your account the same day. Transfers completed after 9:00 p.m. Central Standard Time on a business day, Saturday, Sunday or any banking holiday will be posted on the next business day. SYSTEM identifies a transfer based upon the Login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in both the Transfer and Bill Payer menu options of SYSTEM will not reflect transfers made by multiple users from the same account if different Login Ids are used. You agree to communicate to any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts, in order to avoid overdrafts.
 
Overdrafts (Order of Payments, Transfers and other Withdrawals) – If your account has insufficient funds to perform a electronic fund transfers you have requested for a given business day, then: (a) Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority; (b) Electronic fund transfers initiated through SYSTEM which would result in an overdraft of your account may, at our discretion, be cancelled and (c) In the event that Electronic fund transfers initiated through SYSTEM which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.
 
Limits on Amounts and Frequency of SYSTEM Transactions – The number of transfers from BANK accounts and the amounts that may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed in accordance with our Funds Availability Policy upon a deposit made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
 
SYSTEM Bill Payment Service – You must designate: the BANK account from which the payments are to be made; the complete name of the payee, the account number, and the payee’s remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited during the next business day before 3:00 p.m. Central Standard Time. By using the SYSTEM Bill Payment Service option, you agree that, based upon instructions received under your password, we can charge your designated account by electronic transfer, “no signature required draft” or by debiting and remitting funds on your behalf. You also agree that your first SYSTEM bill payment will be charged to your elected checking account. We reserve the right to refuse payment to any payee designated by you. If we do so, we will notify you promptly.
 
Scheduling SYSTEM Payments – If the payee is to be paid by paper check (as indicated on the Bill Payer list), you understand that paper checks are mailed to the payee and the payee may not receive the payment until 7 to 10 business days after the date the check was issued. If the payee is to be paid electronically (as indicated on the Bill Payer list), you understand and agree that the payee may not receive the payment until 72 hours after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission of handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account.
 
How to Cancel a Bill Payment – To cancel a bill payment scheduled through SYSTEM, you must cancel the payment online via SYSTEM (by following the onscreen instructions) before 12:00 a.m. Central Standard Time on the date the payment is scheduled to be debited from your account.
 
SYSTEM Text Banking Service – Service enables you to access your checking, savings, CD’s, IRA and loan account(s) balances and history through a Short Message Service (SMS) text-enabled mobile phone.
 
Text Banking Service Enrollment – To enroll in the Text Banking Service you may log-in to SYSTEM and select the enroll option.  When you enroll you must provide us with a valid mobile phone number and are agreeing that we may send you unencrypted messages through your wireless provider.  You are responsible: a) for keeping any personal information in your mobile phone secure; b) notifying us immediately of any changes to your enrolled device c) to cancel enrollment immediately in case of loss, theft or unauthorized access to your device; and d) for all fees and charges associated with text messaging imposed by your wireless provider even if your use of the Text Banking Service causes those fees to change.  By enrolling in the Text Banking Service you understand and agree that SMS communications may be delayed or prevented by a variety of factors.  The Bank will do its best to provide SMS communications in a timely manner with accurate information.  You agree to indemnify, defend, and hold us harmless form any third party claims liability, damages, or costs arising from your use of the Text Banking Service or from you providing us with a phone number that is not your own.  You agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the Text Banking Service; any errors in such information; any action you may or may not take in reliance on the information received; or any disclosure of account information to third parties resulting from your use of the Text Banking Service.  We will not be liable to you for special, indirect or consequential damages.
 
Text Banking Communications – SMS communications will be sent to the mobile phone you have enrolled for the Text Banking Service.  We do not use text messaging for any purpose not included in this SYSTEM and will not respond to text messages sent to us that do not comply with appropriate action codes.  Balances provided may not include recent or pending transactions that have not yet posted to your account and that other restrictions may apply.  See your Account Agreement(s) for more information.  A Text Banking Service text message does not constitute an official record for the account to which it pertains.
 
Cancelling Text Banking Service – To cancel enrollment in the Text Banking Service you may log-in to SYSTEM and deselect the enroll option, or text STOP to 89549.
 
Stop Payment Requests – Stopping the payment of a check is different from the cancellation of a bill payment. Once an electronic bill payment has been debited from your account, you CANNOT cancel or stop it. You may be able to stop a SYSTEM bill payment paid by paper draft by contacting us via telephone before the paper draft has cleared. (You will have to contact us by telephone to determine if the paper draft has cleared.) If the paper draft has not cleared, we will immediately process your stop payment request. We will notify you immediately if the paper draft has already cleared. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment and the ID number from the Bill Payment View Posting Screen. You may only initiate stop payment requests online via SYSTEM for paper checks you have written (non-electronically) on your BANK accounts (not SYSTEM bill payer paper drafts.) Online stop payment requests are processed immediately 9:00 a.m. on the business day following the date the stop payment has been requested online. To be effective, this type of stop payment request must precisely identify the name of the payee, the check number, the amount and the date of the check. If you make your stop payment request online or by telephone, we also require you to sign a stop payment form and return it to us within 14 days after you call. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. Stop payment charges for SYSTEM bill payment paper drafts will be assessed in addition to the stop payment charges for the applicable account.
 
Disclosure of Account Information and Transfers – You understand information about your accounts or the transfers you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and transactions such as large currency and foreign transactions must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to SYSTEM. You agree and hereby authorize all of these transfers of information.
 
Periodic statements – You will not receive a separate SYSTEM statement. Transfers to and from your accounts using SYSTEM will appear on the respective periodic paper statements for your BANK accounts.
 
Change in Terms – We may change any term of this Agreement at any time. If the change would result in increased fees for any SYSTEM service, increased liability for you, fewer types of available electronic fund transfers or stricter limitations of the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the BANK SYSTEM website or forward it to you by e-mail or postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject SYSTEM services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.
 
In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments – (For Consumer Accounts established primarily for personal, family and household purposes only.) Contact us as soon as you can if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us: (1) Tell us your name and account number; (2) Describe the error or transfer that you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information; (3) Tell us the dollar amount of the suspected error and   (4) if the suspected error relates to a bill payment made via the SYSTEM Bill Payment Service, tell us the account number used to pay the bill, the full payee name as it appears on the Payments page, the date the payment was sent, payment amount, ID number, and the payee account number for the payment in question (this information appears on the Bill Payment View Posting Screen). If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of a paper writing by postal mail within 10 business days. We will communicate the results of our investigation to you within 10 business days after you contact us, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after completion of our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.
 
Our Liability for Failure to Make a Transfer – If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions: We will NOT be liable for (1) If, through no fault of ours, you do not have enough money in your account to make a transfer; (2) If a legal order directs us to prohibit withdrawals from the account; (3) If your account is closed, or if it has been frozen; (4) If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit agreement set up to cover overdrafts;    (5) If you, or anyone authorized by you commits any fraud or violates any law or regulation; (6) If any electronic terminal, telecommunication device, or any part of the SYSTEM electronic fund transfer system is not working properly and you knew about the problem when you started the transfer; (7) If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date and payment amount for the payee on a bill payment; (8) If you have not properly followed the on-screen instructions for using SYSTEM or (9) If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
 
Your Liability for Unauthorized Transfers – CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission. If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500. Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods.
 
Disclaimer of Warranty and Limitation of Liability – We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the SYSTEM Services provided to you under this Agreement. We do not and cannot warrant that SYSTEM will operate without errors, or that any or all SYSTEM Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services of products provided under this Agreement or by reason of your use of or access to SYSTEM, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort, or based on a warranty. Further, in no event shall the liability of BANK and its affiliates exceed the amounts paid by you for the services provided to you through SYSTEM.
 
Virus Protection – The BANK is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PCs and diskettes using a reliable virus detection product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
 
Your Right to Terminate – You may cancel your SYSTEM service at any time by providing us with written notice by postal mail or fax. Your access to SYSTEM will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.
 
Our Right To Terminate – You agree that we can terminate or limit your access to SYSTEM Services for any of the following reasons: (1) Without prior notice, if you have insufficient funds in any one of your BANK accounts; SYSTEM Service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits; (2) Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account and (3) Upon reasonable notice, for any other reason in our sole discretion.
 
Electronic E-mail – We may not immediately receive e-mail that you send. We will have a reasonable opportunity to act before taking action on your e-mail requests. You cannot use e-mail to stop payment, transfer balances or perform a bill pay.
 
Communications between BANK and You – Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: (1) E-mail – You can contact us by e-mail at internetbanking@securitybankkc.com (please note that banking transactions through SYSTEM are not made via e-mail); (2) Telephone – You can contact us by telephone at (913) 281-3165; (3) Facsimile – You can contact us by fax at (913) 621-8492; (4) Postal Mail – You can write to us at: Security Bank of KC, P.O. Box 171297, Kansas City, KS  66117; (5) In Person – You may visit us in person at any one of our locations.
 
Consent to Electronic Delivery of Notices – You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the BANK SYSTEM website or by e-mail. You agree to notify us immediately of any change in your e-mail address.
 
Governing Law – All items of this agreement shall be governed by and construed and interpreted in accordance with the laws of the State of Kansas.
 
REV 07/18
Electronic Statement Agreement and Disclosure

Your Consent Is Required

By accepting the Security Bank of Kansas City Electronic Statement Disclosure and Agreement, you consent and agree that Security Bank of Kansas City (SBKC) may provide certain disclosures and notices to you in electronic form, in lieu of paper form, including electronic delivery of periodic statements for your SBKC deposit accounts(s).  By clicking on the “I Agree” button below constitutes your written signature and consent to be bound by the terms of this Disclosure and Agreement and to receive your statement electronically.  If you select the “I Do Not Agree” button below, your enrollment in this Electronic Statement service will be discontinued, you will not be enrolled, and you will not receive your periodic statement electronically.  

After receiving your first Electronic Statement, SBKC will discontinue mailing paper account statements and all future statements for that account will be Electronic Statements.  Each month we will send an email notice to you advising you of the availability of your Electronic Statement with instructions on how to access your Electronic Statement.  Your Electronic Statement can be printed or saved to a file on your computer for easy storage.  The past eighteen months’ Electronic Statements will be available through SBKC Online Banking for your convenience.  Check images are also available with your electronic statement.  Other notices concerning your account, which are delivered electronically will be available through SBKC Online Banking for eighteen months from the date the notice was sent.

Enrolling in this Electronic Statement service does not completely prevent the mailing of all paper correspondence from the SBKC.  You may still receive documents from time to time by postal mail in which electronic delivery is not available.

 

Your Right to Withdraw Consent

If at any time after your consent to electronic delivery of your statement, you wish to withdraw your consent to electronic delivery of your statement, you may un-enroll through Security Bank of Kansas City Online Banking or by providing a written request to the Bank. 

 

System Requirements

In order for you to access and retain your Electronic Statement records, your computer must meet the following requirements:

  • Internet access
  • Web browser that supports 128-bit encryption
  • Adobe Acrobat Reader Software

You will need email access with at least 1MB of free space to receive your Electronic Statement.  Adobe Acrobat Reader® version 6.0 or higher is required to open and view your Electronic Statement. To download the latest version of Adobe Acrobat Reader®, click here.  Security Bank of Kansas City is not responsible for the content contained on the Adobe Acrobat web site. We do not encourage or condone the use of any software in violation of applicable laws and cannot be held liable for issues that arise from the download or use of Adobe Acrobat products.

 

Updating Your Information

You agree to notify us immediately of any change in your mailing address, email address or telephone number.  Your Electronic Statement will be sent to the email address that is on file with the Bank.  It is your responsibility to keep your email address updated through Security Bank of Kansas City Online Banking or in person at one of our locations.   

 

Requesting a Paper Copy

If, after you are enrolled in the Electronic Statement program and without withdrawing your consent to electronic delivery of statements, you would like to obtain a paper copy of a statement and the related fees you should contact the Bank.


Security

During the enrollment process, users will be required to create a Security Phrase.  The Security Phrase is unique for each user and will be included in the subject and body of each email notification sent to Electronic Statement users.  It is intended to help Electronic Statement customers to identify that the email is a legitimate message from the Bank.  If your Security Phrase does not appear in messages concerning SBKC Electronic Statement service, do not open the message and report the issue to our E-Banking Department at internetbanksbkc@securitybankkc.com or call 913-281-3165.

The delivery method used is a 'Push' method meaning your Electronic Statement is emailed to you as a secure PDF (Portable Document Format) attachment.  The PDF attachment included in the email notification message does not contain customer data.  Upon opening the PDF file attachment an Electronic Statement login screen will prompt.   The user’s Internet Banking ID and Password are authenticated using secure 128-bit SSL encryption and the statement data fills the PDF attachment.

 

Password Security

Your user Internet Banking ID and Password are your keys to Electronic Statements.  It takes both identification keys to gain access.  No one representing SBKC will ask for your Password. You should never give your Password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your account.

You have the option to have your Electronic Statement emailed to one additional recipient (i.e. accountant).  It is your responsibility to maintain the ID, Password, and email address of your additional recipient.

Change In Terms

Security Bank of Kansas City has no fee for the use of Electronic Statement services.  However, you agree that the Bank has the right to institute a fee for Electronic Statement services upon thirty (30) days prior notice to you.  In addition, SBKC has the right to amend these terms and conditions from time to time by providing you with notice of the amended terms and conditions.

Security Bank of Kansas City reserves its right to suspend or terminate your access to the Electronic Statement service and revert to printed periodic statements for any reason at any time.

 

Disclaimer of Warranty and Limitation of Liability

Security Bank of Kansas City does not and can not warrant that the Electronic Statement service will operate with continuous or uninterrupted access at all times.  The Bank is not responsible for non-receipt or untimely-receipt of Electronic Statements due to circumstances beyond our control.  You agree that in no event will the Bank, our officers, directors, employees, agents or contractors be liable for lost profits or any special, incidental, or consequential damages arising out of or in connection with your use of the Electronic Statement service.  In addition, you agree that the Bank will not be liable for any technical, hardware or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, computer virus, loss of data, or other similar loss.  Furthermore, you agree that you are solely responsible for any loss due to use of Electronic Statements by you, any authorized user, or any unauthorized user or recipient who gains access to Electronic Statements through your computer or information obtained directly or indirectly from you.
 
Rev. 7/18
Digital Wallet Service Agreement and Disclosure
DIGITAL WALLET SERVICE AGREEMENT AND DISCLOSURE DEBIT CARD TERMS AND CONDITIONS ADDENDUM

  1. Definition. A mobile payment service that lets you make payments using an eligible mobile device at a contactless point of sale (POS) terminal. It digitizes and replaces the credit or debit card chip and PIN or magnetic stripe transaction at POS terminals.

  2. Relationship. The Digital Wallet service offered by a qualified third party. Security Bank of Kansas City does not own, operate, or control the Digital Wallet service, and is not responsible for any information or other service provided to you by the third party. We are not liable for any failure or performance of the service. Your enrollment into the Digital Wallet service does not impact any other agreement we have with you. The Debit Card Terms and Conditions remain in full force and effect regardless of whether or not you use the Digital Wallet service. For the avoidance of confusion, any transaction you make with your Security Bank of Kansas City debit card using the Digital Wallet service will be considered the same as if you had used your MasterCard debit card in person to conduct the transaction and all applicable fees will apply.

  3. Eligibility. In order for us to authorize your use of your Security Bank of Kansas City debit card within the Digital Wallet service, your card and the underlying account must be in good standing and you must not be restricted from using the service based upon any limitations imposed by any involved third party. You are required to have an eligible mobile device in order to use the service. You acknowledge that use of an ineligible mobile device with the Digital Wallet service is expressly prohibited, constitutes a breach of these terms and is grounds for us to temporarily suspend, permanently terminate, or otherwise deny further access to your MasterCard debit card in the service.

  4. Fees. We do not charge any fees for using the Digital Wallet service. Please review your Security Bank of Kansas City account agreement and truth-in-savings disclosure for any applicable fees, associated with your MasterCard debit card. You are responsible for any fees or other charges that your wireless carrier or associated third party may impose. We reserve the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you at least 21 days in advance of the date such charges will take effect.

  5. Suspension of Debit Card. We may block, suspend, or cancel use of your MasterCard debit card with the Digital Wallet service. We may take these actions at the any time and for any reason, such as if we suspect fraud with your card, your device becomes lost or stolen, or if applicable laws change.

  6. Electronic Contact. You agree to receive electronic communications from us, including emails to the email address you have provided in connection with your Digital Wallet account. These electronic communications will relate to your use of the service. You agree to update your email address when it changes by contacting us.

  7. Data Privacy. You agree that we may collect, transmit, store, and use certain information about you and your use of your MasterCard debit card in the Digital Wallet service. The transmission, storage, and usage of this data are governed by the privacy policy applicable to your MasterCard debit card or the underlying account. You understand and acknowledge that third parties will have access to certain details regarding eligible debit card transactions made using the service. You understand that information you disclose to a third party is outside the control of Security Bank of Kansas City, and it is subject solely to their security policies and governed by their respective privacy policies.

  8. Indemnity. You agree to indemnify, defend, and hold Security Bank of Kansas City harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your use of the Digital Wallet service, any negligent or intentional action or inaction, and/or any breach of the terms and conditions of this agreement.

  9. Other Limitations of Liability and Disclaimer of Warranties. You are solely responsible for the selection, maintenance, security, and operation of your mobile device, software, email, and telecommunication, mobile, and internet service provider. We expressly disclaim any and all liability as relates to the improper use of your mobile device and the access and transmission of data except as provided by statute. We are not responsible for any errors or failures due to any malfunction of your hardware or software, the unsuitability of your device, or any virus, or problem that may be associated with the use of the device or its software.

  10. Termination or Change. We reserve the right, in our sole discretion and at any time, to discontinue or terminate this service or access to your MasterCard debit card, or to terminate, add, delete or change any of these terms and conditions. We will provide you with notice of any such termination or change as required by law. Your continued use of the service will constitute your acceptance and agreement to any change in the terms and conditions.

  11. Your Responsibilities.
    1. Enrollment in the Digital Wallet – If you want to add your MasterCard debit card to the Digital Wallet, you agree to follow the procedures adopted by the providing third party. We may not add your MasterCard debit card to the Digital Wallet if we cannot authenticate the card or if we otherwise suspect that there may be fraud associated with the card. The Digital Wallet allows you to make purchases using the added card wherever the Digital Wallet is accepted. The Digital Wallet may not be accepted at all places where your MasterCard debit card is accepted.
    2. Report Lost or Stolen Device or Debit Card – If you enroll in the Digital Wallet service and your device is lost or stolen, or you have reason to believe that your device has been compromised, including that of your fingerprint reader, PIN, or other security device, you agree to contact us immediately so that we can take action to disable your MasterCard debit card for use within the Digital Wallet. Given that your device can be used like a debit card to make purchases, you must notify us in the event your device is lost or stolen with the same urgency as if your actual MasterCard debit card is lost or stolen. If you fail to notify us, you may be liable for all or a portion of the losses associated with unauthorized use of your MasterCard debit card whether that use was through the Digital Wallet service or not.
    3. Security – You are solely responsible for maintaining the confidentiality of your service ID, passwords, device passwords and any other means that you may use to securely access the service on your device. If you share these credentials with anyone, that person may be able to use your wallet to make purchase or obtain access to your personal and payment information available through the Digital Wallet service. You agree to safeguard your device at all times and not leave it unattended.
    4. Account Ownership/Accurate Information – You represent that you are the legal owner of the account(s) and other financial information which may be accessed via the Digital Wallet service. You represent and agree that all information you provide to us in connection with the service is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using the service. You agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up to date and accurate. You represent that you are an authorized user of the device you will use to access the Digital Wallet service.

  12. Contact Information.

 

Telephone Number (913) -281-3165

OR

Write:  Security Bank of Kansas City
Attn:  Fraud Prevention Department
PO Box 171297
Kansas City, KS  66117

 

Rev  07/18

Error Resolution Disclosure

Error Resolution Notice

We may report information about your account to credit reporting agencies. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
 
ELECTRONIC FUNDS TRANSFER IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS - Reg. E
 
(For consumer accounts established primarily for personal, family, and household purposes only.)
In case of errors or questions about your electronic transfers; telephone us at 913-281-3165 or write us at Security Bank of Kansas City, P. O. Box 171297, Kansas City, Kansas 66117 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
 
  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
 
We will determine whether an error occurred within 10 business days (or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (or 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.  An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
 
We will tell you the results within three business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents that we used in our investigation.
 
REVOLVING LOAN ACCOUNT – REG. Z
The FINANCE CHARGE is computed on the average daily balance method, including current transactions. We figure the finance charge on your account by applying the periodic rate to the “average daily balance” of your account, including current transactions.  To get the “average daily balance” we take the beginning balance of your account each day, add any new advances or charges, and subtract any payments or credits and any unpaid finance charges.  This gives us the daily balance.  Then, we add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.  This gives us the “average daily balance”.
 
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL- REG. Z
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at the address shown on your bill as soon as possible.  We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.
 
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more
  information, describe the item you are not sure about.         
 
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.  While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. 
  
MEMBER FDIC – EQUAL HOUSING LENDER
09/18
Miscellaneous  Fees and Charges

Security Bank of Kansas City Miscellaneous Fees and Charges

ATM/Debit Card

ATM or Debit Card Replacement Fee $10.00
Foreign ATM Fee $2.25
International Transaction Fee 1.00%

Account Research / Reconciliation

Per Hour Charge, One Hour Minimum $25.00

Bank Statements 

Return / Undelivered Mail (Per Item) $5.00
Paper Statement Fee (Monthly) $3.00

Consumer Coin Handling

Customer (fee waived if coin sort is deposited) 5.00%
Non-Customer  10.00%

Chargeback Items

Checks/ACH - Chargeback Deposited Item Fee $9.00
Special Handling - Chargeback Deposited Item Fee $15.00

Copies
Check Image (Per Item) $1.00
Statement Account Activity Printout $2.00
Photocopies (per Page) $0.50

Dormant Accounts
Checking Account After 12 Months of Inactivity and Balance < $100 $5.00
Savings Account After 24 Months of Inactivity and Balance < $100 $5.00

Garnishments / Levies
Garnishments $15.00
Levies $20.00

Monetary Instruments
Cashier's Checks $6.00
Money Orders $3.00
Visa˜ Gift Cards $4.95
Visa Reloadable Travel Card $7.95
Visa Companion Card
$2.95
Visa Reload Fee $4.95
Counter Checks $1.00/ 4 Checks

Overdraft (OD) / Non-Sufficient Funds (NSF)
Overdraft Fee (OD) - Item Paid $30.00
Returned Item Fee (NSF) $30.00
Daily OD / NSF Fee Limit $150.00

Signature Verification Services
Notary (Customer) FREE
Notary (Non-Customer) $2.00

Stop Payments
Stop Payment Fee (One-Time Check or ACH) $30.00
Permanent Stop Payment Fee (ACH) $50.00

Transfers 
Overdraw Sweep Transfer Fee $10.00
Telephone Transfer Fee $2.00
MMA Excess Transfer Fee
$5.00
per item over 6 Limit

Wire Transfers
Incoming Wire Transfer Fee $10.00
Outgoing Domestic Wire Transfer Fee $20.00
Outgoing International Wire Transfer Fee $50.00

Safe Deposit Boxes
Availability of safe deposit boxes and sizes vary by branch. See branch for details. 
1x4 $15.00
2x4 , 2x5 $25.00
3x4, 3x5 $25.00
4x4, 4x5 $30.00
5x5 $35.00
2x10, 3x10 $45.00
4x10, 5x10 $60.00
8x11 $75.00
10x10 $90.00
10x15, 10x20, 10x22 $110.00
10x44 $200.00
 
 Note - This is a limited listing of Miscellaneous Fees and Charges
 
Business Debit Card Terms & Conditions
BUSINESS DEBIT CARD TERMS AND CONDITIONS


ELECTRONIC FUND TRANSFERS – Your Rights and Responsibilities

The Electronic Funds Transfer Act and regulations adopted thereunder have provided that we disclose pertinent information to you about electronic fund transfers to and from your account. By electronic fund transfers we mean transactions that you initiate by means of your debit card (or ATM card) and preauthorized transfers to and from your account with us.

 

Section I. Debit or ATM Card

  1. Account Access. You may use your card to (1) withdraw cash from your checking or savings account, (2) make deposits to your checking or savings account, (3) transfer funds between your checking and savings accounts, (4) make balance inquiries and (5) the MasterCard debit card can be used to make purchases at merchant locations which agree to accept the MasterCard credit card and display the MasterCard logo.

  2. Limitations on Account Access. The dollar amount of cash withdrawals from an ATM is limited to $250.00 per day (MasterCard debit card and ATM card). The dollar amount on purchases with the MasterCard debit card is limited to $2,500.00 per day.

  3. Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point of sale terminal. You may not get a receipt if the amount of the transfer is $15 or less.

 

Section II. Other Disclosures Applicable to all Types of Electronic Transfer Services

  1. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for third party, such as a credit bureau, merchant or financial institution; or (3) in order to comply with government agency or court orders; or (4) if you give us written permission.

  2. Periodic Statement. For any account to or from which an electronic fund transfers can be made, we shall mail or deliver an account statement for each month in which an electronic fund transfer has occurred, but at least a quarterly statement if no transfer has occurred.

  3. Business Day. Our regular business days are Monday through Friday, excluding holidays. Our automated teller machines are available for use 7 days a week, 24 hours a day, unless: (1) temporarily out of service for extenuating circumstances, or (2) temporarily out of service for balancing purposes.

  4. Transaction Charges. There will be a $2.25 charge for every foreign ATM cash withdrawal. If you use an ATM machine that is not owned by Security Bank of Kansas City “foreign terminal”, you may be charged a fee by the operator or third party (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). If you use your MasterCard debit card or ATM card for any international transactions, an International Service Assessment (ISA) fee equal to 1% of the U.S. dollar amount will be charged to your account. The Bank may hereafter adopt other charges. New services and maintenance charges or changes in existing charges shall become effective 21 days after delivery of written notice to the customer.

  5. Liability for Failure to Make Transfer. If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

    1. If through no fault of ours, you do not have enough money in your account to make the transfer.
    2. If your funds are subject to legal process or other encumbrance restricting transfer.
    3. If the automated teller machine where you are making the withdrawal does not have enough cash.
    4. If the system was not working properly and you knew about the breakdown before you started the transfer.
    5. If circumstances beyond our control (such as fire or flood) prevent the transfer.
    6. There may be other exceptions stated in our agreement with you.

 

Section III. Digital Wallet

  1. Definition. A mobile payment service that lets you make payments using an eligible mobile device at a contactless point of sale (POS) terminal. It digitizes and replaces the credit or debit card chip and PIN or magnetic stripe transaction at POS terminals.

  2. Relationship. The Digital Wallet service offered by a qualified third party. Security Bank of Kansas City does not own, operate, or control the Digital Wallet service, and is not responsible for any information or other service provided to you by the third party. We are not liable for any failure or performance of the service. Your enrollment into the Digital Wallet service does not impact any other agreement we have with you. The above terms and conditions remain in full force and effect regardless of whether or not you use the Digital Wallet service. For the avoidance of confusion, any transaction you make with your Security Bank of Kansas City debit card using the Digital Wallet service will be considered the same as if you had used your MasterCard debit card in person to conduct the transaction and all applicable fees will apply.

  3. Eligibility. In order for us to authorize your use of your Security Bank of Kansas City debit card within the Digital Wallet service, your card and the underlying account must be in good standing and you must not be restricted from using the service based upon any limitations imposed by any involved third party. You are required to have an eligible mobile device in order to use the service. You acknowledge that use of an ineligible mobile device with the Digital Wallet service is expressly prohibited, constitutes a breach of these terms and is grounds for us to temporarily suspend, permanently terminate, or otherwise deny further access to your MasterCard debit card in the service.

  4. Fees. We do not charge any fees for using the Digital Wallet service. Please review your Security Bank of Kansas City account agreement and truth-in-savings disclosure for any applicable fees, associated with your MasterCard debit card. You are responsible for any fees or other charges that your wireless carrier or associated third party may impose. We reserve the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you at least 21 days in advance of the date such charges will take effect.

  5. Suspension of Debit Card. We may block, suspend, or cancel use of your MasterCard debit card with the Digital Wallet service. We may take these actions at the any time and for any reason, such as if we suspect fraud with your card, your device becomes lost or stolen, or if applicable laws change.

  6. Electronic Contact. You agree to receive electronic communications from us, including emails to the email address you have provided in connection with your Digital Wallet account. These electronic communications will relate to your use of the service. You agree to update your email address when it changes by contacting us.

  7. Data Privacy. You agree that we may collect, transmit, store, and use certain information about you and your use of your MasterCard debit card in the Digital Wallet service. The transmission, storage, and usage of this data are governed by the privacy policy applicable to your MasterCard debit card or the underlying account. You understand and acknowledge that third parties will have access to certain details regarding eligible debit card transactions made using the service. You understand that information you disclose to a third party is outside the control of Security Bank of Kansas City, and it is subject solely to their security policies and governed by their respective privacy policies.

  8. Indemnity. You agree to indemnify, defend, and hold Security Bank of Kansas City harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your use of the Digital Wallet service, any negligent or intentional action or inaction, and/or any breach of the terms and conditions of this agreement.

  9. Other Limitations of Liability and Disclaimer of Warranties. You are solely responsible for the selection, maintenance, security, and operation of your mobile device, software, email, and telecommunication, mobile, and internet service provider. We expressly disclaim any and all liability as relates to the improper use of your mobile device and the access and transmission of data except as provided by statute. We are not responsible for any errors or failures due to any malfunction of your hardware or software, the unsuitability of your device, or any virus, or problem that may be associated with the use of the device or its software.

  10. Termination or Change. We reserve the right, in our sole discretion and at any time, to discontinue or terminate this service or access to your MasterCard debit card, or to terminate, add, delete or change any of these terms and conditions. We will provide you with notice of any such termination or change as required by law. Your continued use of the service will constitute your acceptance and agreement to any change in the terms and conditions.

  11. Your Responsibilities.

    1. Enrollment in the Digital Wallet – If you want to add your MasterCard debit card to the Digital Wallet, you agree to follow the procedures adopted by the providing third party. We may not add your MasterCard debit card to the Digital Wallet if we cannot authenticate the card or if we otherwise suspect that there may be fraud associated with the card. The Digital Wallet allows you to make purchases using the added card wherever the Digital Wallet is accepted. The Digital Wallet may not be accepted at all places where your MasterCard debit card is accepted.
    2. Report Lost or Stolen Device or Debit Card – If you enroll in the Digital Wallet service and your device is lost or stolen, or you have reason to believe that your device has been compromised, including that of your fingerprint reader, PIN, or other security device, you agree to contact us immediately so that we can take action to disable your MasterCard debit card for use within the Digital Wallet. Given that your device can be used like a debit card to make purchases, you must notify us in the event your device is lost or stolen with the same urgency as if your actual MasterCard debit card is lost or stolen. If you fail to notify us, you may be liable for all or a portion of the losses associated with unauthorized use of your MasterCard debit card whether that use was through the Digital Wallet service or not.
    3. Security – You are solely responsible for maintaining the confidentiality of your service ID, passwords, device passwords and any other means that you may use to securely access the service on your device. If you share these credentials with anyone, that person may be able to use your wallet to make purchase or obtain access to your personal and payment information available through the Digital Wallet service. You agree to safeguard your device at all times and not leave it unattended.
    4. Account Ownership/Accurate Information – You represent that you are the legal owner of the account(s) and other financial information which may be accessed via the Digital Wallet service. You represent and agree that all information you provide to us in connection with the service is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using the service. You agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up to date and accurate. You represent that you are an authorized user of the device you will use to access the Digital Wallet service.

REV 06/18
Important Information for Business Owners
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT FOR A LEGAL ENTITY
Thank you for banking with Security Bank of Kansas City.  Your relationship is important to us. We are taking this time to inform you of the new federal banking regulation which will take effect for all financial institutions beginning May 2018.  In accordance with the Bank Secrecy Act, the rules have been designed to aid the government in the fight against terrorism and other national security threats.
 
We know your time is important.  In complying with this new rule, it is our goal to make the account opening process as efficient as possible.
 
When opening a new business account or making changes to an existing business account(s); loan(s); or certificate of deposit on behalf of a Legal Entity, the new rule will require your company to provide identifying information (name, address, date of birth, social security number and identification documents) for:
 
  • All individuals that have 25% or more beneficial ownership; and
  • An individual with significant managerial control of the Legal Entity.
 
In addition to the above, you will be required to certify that the information provided is true and accurate to the best of your knowledge.
 
If your business frequently opens or amends your bank accounts, we recommend keeping this information current as it will be needed each time.  For questions, please don’t hesitate to contact a Bank Representative at any of our branch locations.
 
Note: This new rule does not apply to Sole Proprietorships or Government business entities.
07/18
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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